What does all-risk RV insurance cover?
All-risk RV insurance is the form of insurance with the broadest coverage. You pay a little more for it compared to the more limited forms of insurance, but you get good coverage in return. After all, you don't want to lose your RV in an accident. With the more limited forms of insurance, you do run this risk.
WA (mandatory)
- Damage to others
- Theft,joyriding and loss
- Damage caused by fire or natural disasters
- Own damage from a collision
WA limited casco
- Damage to others
- Theft,joyriding and loss
- Damage caused by fire or natural disasters
- Own damage from a collision
All-Risk (WA+Casco).
- Damage to others
- Theft,joyriding and loss
- Damage caused by fire or natural disasters
- Own damage from a collision
When to choose all-risk insurance for your RV?
For a new RV, you can't do without all-risk RV insurance. The camper has a high value and you don't want to risk saving on the monthly premium. Even for a camper only a few years old, this insurance is the best choice. Even for older RVs, it is often still a wise choice. For an old motorhome with a value of, say, €10,000, you run a big risk with more limited insurance. One steering error and the camper has only a scrap value. With third-party motor home insurance, you are not insured for this.
When does the insurer pay out?
All-risk insurance is also known as WA full collision or WA casco. The insurance provides coverage for damage for which the driver or owner of the motorhome is liable. You can also file a claim with the insurer for damage to your own motor home. It may be storm damage or broken windows, but damage caused by a collision is also covered. Claiming on the all-risk motorhome insurance may cost you claim-free years.
When does a claim go against claim-free years?
You can claim damages caused by the motorhome on the all-risk insurance. However, this will cost you claim-free years. The same goes for own damage caused by an accident or vandalism. For the damage causes insured under the limited liability insurance, the reduction in claim-free years does not apply.
What is the value of my motorhome?
You can search online for comparable RVs. The average of these sales prices will be approximately the current value of your RV. Practice comes down to something else. You can have the value determined by an independent appraiser. This way, there can never be any discussion about the amount of the value later. Another option is to have the daily value determined only in the event of damage. After an accident, an expert will estimate what the value of the motorhome was just before the accident.
Insuring your RV all-risk makes you feel safe. You can hit the road with peace of mind knowing you are properly insured.
Made possible by klantenvertellen.nl
Based on 3699 reviews
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.